Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 22, 2021

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Key Takeaways

  • On average, car insurance for DUIs is 72% more expensive than standard insurance
  • Car insurance companies can deny your policy if you have too many DUIs
  • Good credit can lower your car insurance rates for DUI

Are you looking for auto insurance companies that accept DUI drivers? Car insurance companies may not accept drivers with DUIs if they’re starting a new policy.

But how do DUIs affect drivers with a current insurance policy? Does company vehicle insurance with a DUI exist for businesses?

Don’t worry — we’re here to help. Read this guide to learn which car insurance companies accept DUI drivers and how you can save money on insurance with a DUI on your driving record.

Car insurance companies that accept a DUI are all over the United States. Enter your ZIP code in the free online quote tool above to compare multiple companies near you.

What are the best car insurance companies that a accept a DUI?

Having a DUI doesn’t permanently disqualify you from an auto insurance policy. Start with the best companies if you’re looking for an insurance company that provides coverage for DUI-convicted drivers.

Check out the list below to compare the car insurance costs of the top companies in the nation.

Average Monthly Car Insurance Rates by Company and Driving Record
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
American Family$224$252$310$361
Liberty Mutual$398$475$517$634
State Farm$235$266$283$303
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USAA is one of the best auto insurance companies in the nation. However, USAA car insurance quotes for DUIs are only available to veterans and their immediate families.

State Farm, Progressive, and American Family have the cheapest car insurance for DUI convictions.

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What are the best car insurance companies that don’t accept a DUI?

The same companies that may accept your policy request with a DUI on your driving record are the same companies that won’t accept your policy.

For instance, some insurance companies may accept one DUI conviction that didn’t involve an accident.

However, multiple DUIs correlate to an extremely high-risk driver. Also, any DUI that caused severe bodily injury to pedestrians, other drivers, and passengers is a sure way to get disqualified for a policy.

Therefore, you’ll have to shop with companies that provide non-standard auto insurance. Try shopping with these companies if you get denied at some of the bigger companies:

  • Acceptance Insurance
  • Dairyland Insurance
  • The General
  • Good2Go Auto Insurance

What if you’re denied a car insurance policy because of a DUI? You’ll need to report to the DMV and ask them to connect you to a company that will give you a policy.

How much are car insurance rates for DUIs by state?

Car insurance quotes for DUIs vary. That’s because several factors determine whether affordable car insurance for DUI convictions is available to you.

Let’s look at the car insurance rates based on location and which company is the cheapest in that state.

Monthly Car Insurance Rates for Clean Driving Records and DUI Convictions by State
StatesMonthly Car Insurance Rates with a Clean Driving RecordMonthly Auto Insurance Rates with a DUI Conviction% IncreaseCheapest Auto Insurance Company in the State
Alaska$131$19448%State Farm
Arizona$256$37044%State Farm
Arkansas$172$28063%State Farm
Colorado$260$37645%State Farm
Connecticut$229$463102%State Farm
Delaware$240$36954%State Farm
Florida$269$34127%State Farm
Georgia$199$32362%Farm Bureau
Idaho$142$23666%State Farm
Illinois$185$28253%State Farm
Iowa$138$22261%State Farm
Kansas$170$24846%State Farm
Kentucky$242$40668%State Farm
Louisiana$296$43246%Farm Bureau
Maine$107$18169%State Farm
Maryland$199$26734%State Farm
Minnesota$176$31278%State Farm
Mississippi$181$31474%State Farm
Missouri$211$30143%State Farm
Montana$191$29655%State Farm
Nebraska$187$24732%State Farm
Nevada$255$40860%State Farm
New Hampshire$168$30783%Progressive
New Jersey$234$37460%NJ Manufacturers
New Mexico$170$26456%State Farm
New York$231$32842%State Farm
North Carolina$126$502300%Farm Bureau
North Dakota$191$28751%State Farm
Ohio$130$20054%State Farm
Oklahoma$205$28338%State Farm
Oregon$194$30256%State Farm
Rhode Island$299$629110%USAA
South Carolina$173$27257%State Farm
South Dakota$202$31154%State Farm
Tennessee$156$25261%State Farm
Texas$221$38072%Fred Loya
Virginia$137$21154%Farm Bureau
Washington$146$24165%State Farm
West Virginia$176$31680%State Farm
Wisconsin$130$20659%State Farm
Wyoming$177$28964%State Farm
National Average$198$35072%Most Affordable Company Overall is State Farm
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DUI convictions can increase auto insurance by over 100% in some states. On average, your car insurance rates can go up by 72% when you get a DUI conviction.

Even with a DUI, you can apply for discounts. Continue reading to learn which discounts can help you save.

Which discounts can lower car insurance quotes for DUI drivers?

DUI convictions automatically disqualify you for safe driver discounts. So, you’ll need to focus on alternative auto insurance deals.

One of the best bargains is a good credit discount. Car insurance companies can lower insurance quotes by at least 20% when you have good or excellent credit.

According to the Federal Trade Commission, good credit correlates to lower risks for filing claims.

Including your VIN during the quote process also reports all the safety and anti-theft features of your car. You can save up to 15% at some auto insurance companies when you’re eligible for safety feature discounts.

Why is it important to rebound from car insurance for DUI?

The best way to bounce back from a DUI is to maintain good driving habits. There are no DUI insurance tricks to getting around a high-risk event.

In addition to minimizing unsafe driving behaviors, try driving your vehicle less. Before you buy car insurance for DUI drivers, select a low mileage limit to lower rates.

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Best Cheap Car Insurance Companies That Accept DUIs: The Bottom Line

Company vehicle insurance with a DUI or standard insurance with a DUI makes monthly rates expensive. And not telling insurance about a DUI can get your policy canceled.

Inform your auto insurance company that you’ve had a DUI to stay ahead of your local DMV. You’ll likely need SR-22 or FR-44 certification.

DUI convictions that don’t have bodily injuries or costly property damage may not affect as badly.

Now that you know more about car insurance companies that accept a DUI, enter your ZIP code into our free online quote tool to compare multiple companies near you.

Frequently Asked Questions: Best Cheap Car Insurance Companies That Accept a DUI

Do you want to know more about how a DUI affects you? Continue reading to get answers to frequently asked questions.

#1 – What’s the difference between SR-22 and FR-44 car insurance?

SR-22 is available in all states except Indiana. SR-22 certification shows that you’re a high-risk driver with the minimum auto insurance requirements.

Meanwhile, FR-44 certification is limited to Florida and Virginia. FR-44 is required for high-risk drivers pursuing future insurance coverage with double the minimum car insurance requirements.

#2 – Does a DUI conviction affect my employer’s car insurance?

The short answer is yes. A DUI increases your risk of getting into an accident and filing a claim. Your employer may be hesitant about allowing you to drive their vehicles.

#3 – What if I don’t tell my car insurance company about my DUI conviction?

Not telling your auto insurance company about your DUI conviction will backfire.